Representative Example: The Representative APR is 2.8%. Based on a loan amount of £10,000 over 60 months at an interest rate of 2.8% p.a. (fixed). Monthly repayment of £178.82. Total amount repayable £10,728.

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Good Credit Only

Checking your rates won’t affect your credit score

We approve over £2 million every day to people with a good credit history

Representative Example: The Representative APR is 3.0%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment of £314.13. Total amount repayable £18,847.80.

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Good Credit Only

Loans from £1,000 to £25,000

No arrangement fees or hidden charges

Instant online decision

Funds transferred within 2 working days

No penalty for over payments

You must be aged between 21 and 70 and have been a permanent UK resident for 3 years

You must have an annual income of at least £12,000 and have a UK bank or building society account

You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit

Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender

Instant Online Decision

Representative Example: The Representative APR is 3.0%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51 & total repayable £10,770.60.

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Good Credit Only

Loans from £1,000 to £20,000

Fixed Interest Loan Rate

Instant Online Decision

Maximum loan amount of £25,000 available for existing Santander customers

Representative Example: The Representative APR is 3.0%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment of £314.14. Total amount repayable £18,848.24.

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Good Credit Only

Exclusive lower loan rate of 2.9% also available for Members

Fixed monthly repayments for the duration of the loan

Spread the repayments over 1-7 years

No arrangement or set up fee

Other Loan amounts and terms available

Loan amounts range from £1,000 to £25,000, with terms available from 1-7 years

Instant decision in most cases

To apply for an AA Loan applicants must:

Have been a UK resident for at least 3 years

Be over 21 and no older than 70 when the loan term ends

Have a regular (minimum) annual income of £12,000 (gross). If you are self- employed you must have been employed for a minimum of 2 years

Have a UK based bank or building society current account that can pay direct debits

Ensure that they can meet the repayments, as missed payments incur a charge and could have severe consequences on their ability to obtain future credit

Existing Nationwide Members Only

Representative Example: The Representative APR is 3.0%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51. Total amount payable £10,770.60.

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Good Credit Only

Loans form £7,500 to £25,000

Loan Term – 1 to 5 years

Fixed Interest Loan Rate

No set up charges or hidden fees

Instant Online Decision

Only available to Nationwide members (main current account, mortgage or savings account holders)

Must earn at least £700 pm (can be combined income)

Must be aged between 18 and 79

If self employed must be homeowner and supply 1 years audited accounts

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

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Good Credit Only

Loans from £1,000 to £50,000

£1,000-£7,450 repay over 1-5 years, £7,500-£50,000 repay over 1-8 years. Home improvement loans of £7,500 or more can be repaid over 1-10 years

Bank with NatWest? They can pre-fill your application, saving you time

Get a quick quote – no impact on your credit rating

To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone

Specific Eligibility Criteria Applies

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

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Good Credit Only

Loans from £1,000 to £50,000

Get a quick quote – no impact on your credit rating

To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone

Instant Online Decision

Representative Example: The Representative APR is 12.9%. Based on a loan amount of £10,000 over 60 months at an interest rate of 12.9% p.a. (fixed). Monthly repayment of £223.43. Total amount repayable £13,405.80.

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All Credit Histories Considered

Loans from £1,000 to £35,000

No waiting, no surprises, and a guaranteed, personal rate

Soft credit search so there will be no impact on you credit score

Some banks advertise very attractive low rates, but when you apply you find you could end up paying much more. With a guaranteed rate, there’ll be no nasty surprises

Must be aged 21 and 75

You must have been a permanent UK resident for 3 years

You must have an annual income of at least £15,000 and have a UK bank or building society account

Representative Example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

Loan purpose – Raise capital for debt consolidation, for a property deposit, tax bill, home improvements, business startup and many more

£25,000 to £500,000

Complete flexibility – repay loan in full at any time

Overpayments can be made at any time – If you overpay the amount you owe, the amount of interest that you pay is recalculated. Your monthly payment will not change, but the term of the mortgage will reduce accordingly

Raise capital for any purpose

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Secured loans for: ex-council houses, flats and maisonettes, high-rise properties (yes, even ones above 6 floors), properties with poor valuations (when the property is in a less than perfect condition), non-standard constructions (When the property you want is a little out of the ordinary), normal brick-built houses, flats and maisonettes, properties where more than 40% will be owner occupied

Representative Example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

Instant Online Decision

Representative Example:The Representative APR is 93.6%. Based on a loan amount of £3,000 over 24 months at an interest rate of 67.9% p.a. (fixed). Monthly repayment of £231.78. Total amount repayable £5,562.75.

British Gas Loan

British gas loans are not available at the moment, but there are many lenders offering personal loans along with other kinds, the loan market is extremely competitive, so it is always worth shopping around to find the best deal for your circumstances. Use our loan calculator or the links above to compare loan deals and get the best loan for you.

Loan Calculators

If you are looking for a personal loan you may have thought about using a loan calculator, after all one of your key priorities is probably finding out how much a loan would cost you. If you have one particular lender in mind they may have a specific bank loan calculator you can use to get an estimate. Most loan calculators just require you to enter how much you wish to borrow as well as how long you want the repayment period to be. They will then give you a rough idea of how much the loan would cost you in total as well as what the installments would be.

But you may find that if you apply for a loan and are accepted by the lender, they might give you a different APR than what the calculator used, changing how much the loan will cost you, this is because when calculating your APR banks will take into consideration an assessment of your credit score, and financial circumstances to decide the exact annual percentage rate they would be able to offer you.

Types of loan

Personal Loans – Also known as unsecured loans are a type of loan that typically allows you to borrow up to £25,000 over a variable time period. Generally speaking the larger amount you wish to borrow the lower the rate of interest, however this does not mean you should take out a larger loan you cannot afford to service or repay. This type of loan does not require you to put up your home or other asset as security on it.

Homeowner loans – This type of loan is a ‘secured’ loan which means lenders require you put up an asset (such as your home or other property) as security on it. Because of this additional level off assurance banks are usually willing to lend more, generally up to £250,000. They also tend to permit longer repayment periods and may have a better APR. However if you fail to keep up with payments or home could be repossessed. The actual amount you can borrow is dependent on the value of your home, or the value of the equity you own if you have a mortgage, it will also be affected by an assessment of your financial information.

Before you apply

You should carefully consider all of the available options before you take out a loan to try and get the best deal. it is also wise to look into alternative options to borrowing such as using savings.

Homeowner Loan Representative Example:

The Representative APRC is 5.9%. Based on an assumed loan amount of £48,000 (including broker fee of £2,505 & product fee of £495) over 240 months at an interest rate of 5% (varaible). Monthly repayment £316.78 & total repayable £76,027.20.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE